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Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Bancorp Southern Indiana's forward rate of return for was 11.99%.
The historical rank and industry rank for Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % or its related term are showing as below:
BCSO'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 10.57 Med: 11.86 Max: 12.43
Current: 11.86
During the past 7 years, Bancorp Southern Indiana's highest Forward Rate of Return was 12.43. The lowest was 10.57. And the median was 11.86.
BCSO's Forward Rate of Return (Yacktman) % is not ranked
in the Banks industry.
Industry Median: 15.51
vs BCSO: 11.86
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Bancorp Southern Indiana Forward Rate of Return (Yacktman) % Related Terms
Bancorp Southern Indiana Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bancorp Southern Indiana Forward Rate of Return (Yacktman) % Chart
BCSO vs IBTN, CZBT, FSMK: Forward Rate of Return (Yacktman) % Comparison
For the Banks - Diversified subindustry, Bancorp Southern Indiana's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bancorp Southern Indiana Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % falls into.
Bancorp Southern Indiana Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Forward Rate of Return (Yacktman) % of 11.99% mean?
Bancorp Southern Indiana (BCSO) has a Forward Rate of Return (Yacktman) % of 11.99% as of Dec. 2025. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Bancorp Southern Indiana and its competitors. This is near median its historical median of 11.86. Over the past decade, Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % has ranged from 10.57 to 12.43.
Is Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % too high?
Bancorp Southern Indiana's current Forward Rate of Return (Yacktman) % of 11.99% is near median its 10-year median of 11.86. Over the past 10 years, this metric has ranged from a low of 10.57 to a high of 12.43. The Banks industry median Forward Rate of Return (Yacktman) % is 15.51. Bancorp Southern Indiana's value of 11.99% is 22.7% below this industry median. Overall, Bancorp Southern Indiana has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % compare to IBTN and CZBT?
Bancorp Southern Indiana's Forward Rate of Return (Yacktman) % of 11.99% can be compared against companies in the Banks industry. The industry median Forward Rate of Return (Yacktman) % is 15.51. Bancorp Southern Indiana's value of 11.99% is 22.7% below this benchmark. Historically, Bancorp Southern Indiana's own Forward Rate of Return (Yacktman) % has ranged from 10.57 to 12.43 over the past decade. While the company's 10-year median is 11.86 vs. the industry median of 15.51, Bancorp Southern Indiana has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.51, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current Forward Rate of Return (Yacktman) % of 11.99% is 22.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current Forward Rate of Return (Yacktman) % is 11.99%, which is near median its own 10-year median of 11.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancorp Southern Indiana stock overvalued right now?
Bancorp Southern Indiana (BCSO) has a current Forward Rate of Return (Yacktman) % of 11.99%. The stock's GF Value™ is $71.81, compared to a current price of $60.00 — trading 16.4% below its estimated fair value. The current Forward Rate of Return (Yacktman) % is 11.99%, which is near median its 10-year median of 11.86 and 22.7% below the Banks industry median of 15.51. Bancorp Southern Indiana's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Forward Rate of Return (Yacktman) % is 11.99% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bancorp Southern Indiana (BCSO) Overvalued in 2026?
Based on GuruFocus' analysis, Bancorp Southern Indiana stock appears to be undervalued.
The current stock price of $60.00 is trading 16.4% below its estimated GF Value™ of $71.81.
Key valuation signals for BCSO:
Forward Rate of Return (Yacktman) %: 11.99% (near median its 10-year median of 11.86)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
No single metric tells the full story. See the BCSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bancorp Southern Indiana is a full-service commercial bank. The company provides business banking; loans; treasury management and other services. The bank recently launched the Lending Portal for customers to have easy access to apply for a consumer lending product such as auto loans, personal loans, or other non-real estate products.
60GF Score
Get the complete analysis for BCSO
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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